Digital Kingdom

"I see, all right" Zhao Ziming hung up, took a deep breath, and looked out the window.

The little secretary came over and arranged the clothes for Zhao Ziming, with an expression of concern and anxiety, "What's wrong?"

Zhao Jing was wearing a red tight-fitting suspender, and she wrapped her good figure perfectly. She had white skin, soft and smooth, and her proud upper circumference was full of femininity, and her shallow and charming career line was very sexy.

Zhao Ziming patted the secretary's buttocks, "It's okay"

"Hmm, I don't want to say forget it." Zhao Jing gave her boss a charming look.

"Why are you so behaved these days" Zhao Ziming held the secretary in his arms and turned on the computer.

"People have always been very well-behaved" Zhao Jing heard the praise, with a hint of flattery.

"Little Fairy" Zhao Ziming's irritability was a little relieved, and he touched it with one hand.

The young man recovered quickly. Although he had just had one, he was still very strong. Zhao Jing was touched and uncomfortable, so she stood up and asked, "Should I call Vice President Wang to come over?"

She knew Zhao Ziming's actions, and the phone call should have been official.

Recently, the company has been turbulent, and she is panting. Zhao Ziming has agreed to many excessive demands.

"Okay, go" Zhao Ziming thought for a while and agreed, patted the secretary casually.

The little secretary walked out in a charming manner, Zhao Ziming smiled and continued to browse the posts.

The company’s public opinion monitoring staff called him just now, and said that the net loan home, the Woodpecker forum broke out a post about his negative news, it is estimated that the matter is not small.

Under normal circumstances, the company's navy will deal with it and will not report here.

I opened the Woodpecker forum and noticed at a glance.

"Golden Dragon Loan CEO Zhao Ziming Unveils the Bottom"

The post is very hot, thousands of replies, click to open and read it.

On September 23, Jinlongdai issued a notice stating that its first 50 million bid was in trouble. On September 24, project boss Wang Zhenhua ran away.The speed of the event made people feel dumb, and the Golden Dragon Loan incident quickly occupied the media, WeChat Moments and other news dissemination channels.

However, Zhao Ziming, the CEO of Golden Dragon Loan, who is at the center of public opinion, has caused speculation from all walks of life like a fog.The outside world is familiar with Jinlongdai's Vice President Wang Tianbao. So how did Zhao Ziming rise? What are the key points in the rise of Jinlongdai?

01, Golden Dragon Loan Zhao Ziming

Dapeng rises with the same wind in one day, soaring for ninety thousand miles!Zhao Ziming should feel fortunate that he was born in this era.From penniless to worth 500 million, he only spent half a year.

Half a year ago, 25-year-old Zhao Ziming was just an ordinary college student, worried about his livelihood.

Half a year later, as a post-80s, he has already started to own his first company, Golden Dragon Network Technology Co., Ltd.

According to the data from Tianyan Check, on May 3, 2011, Golden Dragon Network Technology Co., Ltd. was registered and established with a registered capital of 50 million yuan. The legal representative of the company is Li Youming.In March 2013, Zhao Ziming took over Golden Dragon Loan at a price of 8 million. In the past September, Zhao Ziming rejected a 500 million valuation of venture capital.

In just six months, the market value has increased by a hundred times. Not to mention the bubbles and risks in it, but Zhao Ziming, born in poverty, at a young age, has been confused by huge wealth, and the company is still struggling. Life becomes extravagant.

When commuting to and from get off work, the car was picked up and sent off, and I found a plane model to be my girlfriend.By the way, I found a junior as secretary in the company and used it as a mastermind.

Wang Tianbao, whom everyone used to know, has been emptied, and the business is completely unavailable. Zhao Ziming dug a beauty from the bank as a business manager. He has no idea about online loans. You know the relationship between them.

There is also the most important point, the source of the eight million yuan. It is understood that Zhao Ziming's family, let alone eight million yuan, can't even spend 80,000 yuan, the source of funds is a mystery, or is suspected of money laundering.

02. Golden Dragon Loan Standard

Jinlong Loan's big bid is completely self-defeating. Simply put, it wants to do the business of a bank, but has no life for the bank.

Before March, Golden Dragon Loan was doing personal lending business, which was fully in line with the positioning of the p2p online lending industry. However, Golden Dragon Company’s ineffective risk control resulted in a lot of overdue and bad debts.

After that, Zhao Ziming took over the company, recruited many senior executives from the bank, and embarked on the path of open-ended large orders.To put it bluntly, the large order model means some projects rejected by the bank. Golden Dragon Loan took over. These projects passed by the bank are basically defective products. It is not a problem. It is impossible to find an online loan. I want to do this. The project must have a background even better than that of the bank.

For example, in dealing with bad debts, banks can use their own resources to sue through courts to freeze the borrower’s assets, enforce enforcement, and go deeper, pull into the blacklist, and use violent agencies to cooperate with them. Can Golden Dragon Loan be fine? In this quagmire of bad debts, but also a big quagmire!

We can also speculate a little about the original intention of Golden Dragon Loan to start the large order model: Zhao Ziming took over Golden Dragon Loan, his own funds are lacking, and he needs a lot of funds to cover bad debts. Correspondingly, the demand for assets is also great. This can only be met by the big standard. it.

03. The management team of Golden Dragon Loan

As we all know, as a qualified P2P investor, when choosing a platform, you should focus on two aspects: platform background and management team.

It is said that online loans must be down-to-earth and facing the bottom, but the management team must be high-end and high-end.

Take a look at Golden Dragon Loan, the opposite is true. P2p is a big bid, which runs counter to Inclusive Finance, but the management team is very awkward. From Zhao Ziming to department-level person in charge, there is no one who can come up with academic qualifications. I am not right. Discrimination against non-brand-name graduates

After all, online lending is a new business, which is developing rapidly. It is an Internet + finance industry that has developed abroad for many years. There are many experiences that are worth learning from and cannot be ignored.Without good education, relying solely on some financial or Internet experience, and limited understanding of customer credit and the industry situation, King Long’s team is unqualified.

04. I am not optimistic about the destination of Golden Dragon Loan

Jinlong Loan is a small loan, but the risk control is not good, and the big standard is not good.

Zhao Ziming introduced a scholar who did not have strong financial support and a solid background, let alone the poor who became rich and did not have the hard-working style during the entrepreneurial period. Relying on the market's vent, a bubble of 500 million was blown. The heavy rains were all overwhelmed, and Wang Zhenhua's running away might be the last straw to overwhelm Jinlongdai.

Some people think I’m casually hacking and don’t explain. Everyone who knows me understands that I’m a big head. I’ve never said anything. This time I’ve directly uploaded the picture. A few months ago, Zhao Ziming relied on the online loan loopholes and got p2p from more than 40 companies On the platform, a credit loan of 4 million is lent, and the average borrowing is over 100,000. A company that relies on borrowing money to maintain its business, a company with an extravagant and intemperate boss life, and a company with a grassroots management team. Is it worthy of your trust? ?

Attached is Zhao Ziming and his girlfriend's pay slips, so that everyone can recognize Zhao Ziming's face.

After reading it, Zhao Ziming sighed secretly.

The whole post is mediocre, and there is no direct power to attract people's hearts. The key is to have such a lot of attention. The key is to have dry goods. One is a screenshot of Zhao Ziming's loan of 4 million, and the other is the salary flow of Zhao Ziming and Li Rongrong.

Otherwise, relying on the author's dry language to instigate, true and false revelations, a hot spot, he can be beaten to the north.

Zhao Ziming is basically certain that the person behind the post should be someone from Kunlun Investment, a hot spot, and a casual person, it is impossible to collect and organize detailed information in such a short time.

Ever since he learned that Kunlun Investment and Qian Xueqian were working together, Zhao Ziming had predicted that people in Kunlun would surely get into trouble.

It's really lingering, isn't it just turning down two venture capitals, and really staring at myself.

Zhao Ziming knows exactly what Kunlun's purpose is. Capital is all about profit. Kunlun is nothing more than a fancy to Golden Dragon. Risks and opportunities coexist.

On the other hand, Zhao Ziming would also like to thank Kunlun Investment. Without its two quotations, Golden Dragon would not be famous in the industry. You must know that Kunlun is the only company that offers reasonable prices for Golden Dragon. Other venture capital funds offer one or two prices. One hundred million is considered conscientious, and there are ten to twenty million prices.

In this case, the advantage should be in Kunlun, but Zhao Ziming can't support the company. He doesn't need money for the time being. Kunlun is rather impatient. Of course, Kunlun has risen from 100 million to 500 million in two or three months.